Loan Comparison: 2.25% vs 6.5%
5172 Sydney, Highlands Ranch, CO 80130 · 3bd/3ba · $599,000
List Price
$599,000
Assumable Rate
2.25%
Remaining Balance
$357,356
Equity Gap
$240,793
Loan Type
VAAdjust Your Scenario
$29,950
$29,950$240,793
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.25% (VA)
Blended Rate: 4.57%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,597/moAssumable @ 2.25% + gap loan
$2,987/moAssumed loan: $1,366/mo
Gap financing: $1,621/mo
$610less per month with the assumable
Your Savings on This Property
5172 Sydney, Highlands Ranch · 2.25% VA vs 6.5% conventional
$610
per month
$7,315
per year
$219,457
over 30 years
$218,606
interest saved
How gap financing works: The equity gap ($240,793) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,950, 5% of purchase price) and a second mortgage for the rest ($210,843 at 8.5%). Even with two payments, the blended cost is typically much lower than a new conventional loan. We work with lenders who specialize in assumption gap financing.
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